One Lender, Multiple Apps on same day
Nov 23, 2011, 9:08 am
#17
Suspended
Join Date: May 2010
Posts: 2,998
Lender: Chase
Cards: Southwest and Southwest business
Approved: Called Chase 3 days after apps, was told they were both denyed due to being maxed on credit that chase would offer (I expected this). Offered to close exisitng cards in return for approval of the new ones and this was granted. What I didn't expect was that they'd pull the credt a 2nd time for each.
Inquiries: 4 - yes 4
Date: Nov 2011
Cards: Southwest and Southwest business
Approved: Called Chase 3 days after apps, was told they were both denyed due to being maxed on credit that chase would offer (I expected this). Offered to close exisitng cards in return for approval of the new ones and this was granted. What I didn't expect was that they'd pull the credt a 2nd time for each.
Inquiries: 4 - yes 4
Date: Nov 2011
Dec 9, 2011, 9:48 pm
#19
Join Date: Nov 2011
Location: MEX
Posts: 1,014
Lender: Chase
Cards: Southwest and Southwest business
Approved: Called Chase 3 days after apps, was told they were both denyed due to being maxed on credit that chase would offer (I expected this). Offered to close exisitng cards in return for approval of the new ones and this was granted. What I didn't expect was that they'd pull the credt a 2nd time for each.
Inquiries: 4 - yes 4
Date: Nov 2011
Cards: Southwest and Southwest business
Approved: Called Chase 3 days after apps, was told they were both denyed due to being maxed on credit that chase would offer (I expected this). Offered to close exisitng cards in return for approval of the new ones and this was granted. What I didn't expect was that they'd pull the credt a 2nd time for each.
Inquiries: 4 - yes 4
Date: Nov 2011
Dec 13, 2011, 12:09 pm
#20
Join Date: Dec 2009
Programs: Curr Noob, Ex Road Warrior
Posts: 492
I do not have any chase cards and am thinking of applying for three card. Saphire, Ink Bold and Priority Club. I have excellent credit and i only applied for 5 new cards in the last few years. All of them are this year and 3 with Amex and 2 with Citi. When I looked on credit secure it seems like I have 8 inquiries on EXP but only 1 each or so on EQU and TU. What is the best sequence to apply for the above three cards and get approved? Thanks.
Dec 13, 2011, 3:12 pm
#22
Original Poster
Join Date: Aug 2011
Location: SLC
Posts: 392
Recently, I have explained to Chase that I needed a separate card for business expenses (this is most useful when you are applying for both a business and personal card).
You may also explain how your travel patterns would make the specific card particularly useful. For instance, if you live in Denver you would primarily fly United. Your company may use Hyatt as a preferred hotel partner, particularly in a city you regularly visit. You may be saving for a family trip to desination X, which is served by airline Y from your home/the nearest hub.
Stay away from the topic of sign-up bonus but focus on the benefits the card provides that will give you an incentive to put much of your spending on that card.
Dec 13, 2011, 3:25 pm
#23
Join Date: Dec 2011
Posts: 148
I called the reconsideration line and didn't make as much progress as I hoped.
Some background:
Yesterday I applied online for my wife for the Chase Marriott card and was instantly approved. After that I applied for the Sapphire card also and it said pending approval.
So I had my wife call today and then give phone to me. The CSR said it was rejected just because of two applications so close together. I asked what we could do and she said she could reconsider it. So I asked her to do that. She put me on hold for a couple of minutes to review the application. Then she came back and asked questions about what she saw on the application and credit report. After reviewing it, she said she would send all information to the right people for review and I would know within two weeks.
I was hoping for her to tell me she would approve it. But, she didn't do that. I fear that means it will just be rejected. Anyone else have an experience like this? Any suggestions? Should I call back in a couple of days?
Some background:
Yesterday I applied online for my wife for the Chase Marriott card and was instantly approved. After that I applied for the Sapphire card also and it said pending approval.
So I had my wife call today and then give phone to me. The CSR said it was rejected just because of two applications so close together. I asked what we could do and she said she could reconsider it. So I asked her to do that. She put me on hold for a couple of minutes to review the application. Then she came back and asked questions about what she saw on the application and credit report. After reviewing it, she said she would send all information to the right people for review and I would know within two weeks.
I was hoping for her to tell me she would approve it. But, she didn't do that. I fear that means it will just be rejected. Anyone else have an experience like this? Any suggestions? Should I call back in a couple of days?
Jan 9, 2012, 9:38 am
#25
Formerly known as gwhit21
Join Date: Jul 2011
Location: Tx
Programs: All of them.
Posts: 167
Lender: Chase
Location: Texas
Cards: Ink Bold Biz and United Explorer (in that order)
Results: approved for both via the reconsideration phone call. I didn't have to close any existing credit accounts or move over any credit. Score.
Location: Texas
Cards: Ink Bold Biz and United Explorer (in that order)
Results: approved for both via the reconsideration phone call. I didn't have to close any existing credit accounts or move over any credit. Score.
Feb 2, 2012, 10:46 pm
#26
Join Date: Aug 2011
Location: Chicago
Posts: 231
Date: Nov 2011
Location: Chicago
Lender: Chase
Cards: SW Personal & SW Biz
Method: Two different IP, Two different Computers at the same time (just trying to be out of the box)
Results: SW personal was approved by email (but not instantly). SW Biz was reject for being too many inquiries. I was dragging my feet and let the 30 day window to call reconsideration line to expired. Will apply for the biz again 6 months later.
Inquiries: Did not check. I don't churn that often.
Location: Chicago
Lender: Chase
Cards: SW Personal & SW Biz
Method: Two different IP, Two different Computers at the same time (just trying to be out of the box)
Results: SW personal was approved by email (but not instantly). SW Biz was reject for being too many inquiries. I was dragging my feet and let the 30 day window to call reconsideration line to expired. Will apply for the biz again 6 months later.
Inquiries: Did not check. I don't churn that often.
Feb 2, 2012, 10:52 pm
#27
Join Date: Aug 2011
Location: Chicago
Posts: 231
Lender: American Express
Cards: Gold Business, SPG Business, and Delta SkyMiles Business (3 business cards)
Approved: Instant approval for two, declined for Delta SkyMiles Business
Inquiries: 1
Date: Nov 2011
I was told that Amex only permits approval of 2 cards within a 90 day period.
Cards: Gold Business, SPG Business, and Delta SkyMiles Business (3 business cards)
Approved: Instant approval for two, declined for Delta SkyMiles Business
Inquiries: 1
Date: Nov 2011
I was told that Amex only permits approval of 2 cards within a 90 day period.
Last edited by windcloud5; Feb 2, 2012 at 10:53 pm Reason: spelling error